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Most businesses overpay for insurance for one simple reason. They just accept the excess the insurer gives them. That excess directly affects your premium. And if you’ve got cash reserves set aside — and you’d never bother claiming for a small knock anyway — why are you paying extra to insure it? A higher excess can seriously reduce your premium. You’re basically self-insuring the little stuff and keeping insurance for when it actually matters — the big losses that could seriously impact your business. I see this save Rolleston businesses hundreds every year… sometimes more. No complicated changes. No cutting important cover. Just structuring your business insurance properly. If you’re a Rolleston business owner, speak to someone local who specialises in helping businesses like yours. Joshua Kalauta is a Rolleston business insurance broker who works specifically with Rolleston business owners to make sure their cover is structured smart — not expensive. Call Josh directly on 027 336 6188 Or email him at [email protected] Local advice. Personal service. Smarter business insurance.